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OBF D681476 5701751
<br />emergency medical technician or paramedic
<br />employed by you if you are not engaged in the
<br />business or occupation of providing medical,
<br />paramedical,surgical,dental,x-ray or nursing
<br />services.
<br />6.Personal Injury -Broad Form
<br />a.SECTION II -LIABILITY,B.Exclusions,2.
<br />Additional Exclusions Applicable only to
<br />"Personal and Advertising Injury",paragraph
<br />e.is deleted.
<br />b.SECTION II -LIABILITY,F.Liability and
<br />Medical Expenses Definitions,14."Personal
<br />and advertising injury",paragraph b.is
<br />replaced by the following:
<br />b.Malicious prosecution or abuse of
<br />process.
<br />c.The following is added to SECTION II -
<br />LIABILITY,F.Liability and Medical Expenses
<br />Definitions,Definition 14."Personal and
<br />advertising injury":
<br />"Discrimination"(unless insurance thereof is
<br />prohibited by law)that results in injury to the
<br />feelings or reputation of a natural person,
<br />but only if such "discrimination"is:
<br />(1)Not done intentionally by or at the
<br />direction of:
<br />(a)The insured;
<br />(b)Any officer of the corporation,
<br />director,stockholder,partner or
<br />member of the insured;and
<br />(2)Not directly or indirectly related to an
<br />"employee",not to the employment,
<br />prospective employment or termination
<br />of any person or persons by an insured.
<br />d.For purposes of this endorsement,the
<br />following definition is added to SECTION II -
<br />LIABILITY,F.Liability and Medical Expenses
<br />Definitions:
<br />1."Discrimination"means the unlawful
<br />treatment of individuals based upon race,
<br />color,ethnic origin,gender,religion,age,
<br />or sexual preference."Discrimination "
<br />does not include the unlawful treatment
<br />of individuals based upon developmental,
<br />physical,cognitive,mental,sensory or
<br />emotional impairment or any
<br />combination of these.
<br />e.This coverage does not apply if liability
<br />coverage for "personal and advertising
<br />injury"is excluded either by the provisions of
<br />the Coverage Form or any endorsement
<br />thereto.
<br />7.Product Recall Expense
<br />a.SECTION II -LIABILITY,B.Exclusions,1.
<br />Applicable To Business Liability Coverage,
<br />o.Recall of Products,Work or Impaired
<br />is replaced by the following:
<br />o.Recall of Products,Work or Impaired
<br />Property
<br />Damages claimed for any loss,cost or
<br />expense incurred by you or others for
<br />the loss of use,withdrawal,recall,
<br />inspection,repair,replacement,
<br />adjustment,removal or disposal of:
<br />(1)"Your product";
<br />(2)"Your work";or
<br />(3)"Impaired property";
<br />If such product,work or property is
<br />withdrawn or recalled from the market or
<br />from use by any person or organization
<br />because of a known or suspected defect,
<br />deficiency,inadequacy or dangerous
<br />condition in it,but this exclusion does
<br />not apply to "product recall expenses"
<br />that you incur for the "covered recall"of
<br />"your product".
<br />However,the exception to the exclusion
<br />does not apply to "product recall
<br />expenses"resulting from:
<br />(4)Failure of any products to accomplish
<br />their intended purpose;
<br />(5)Breach of warranties of fitness,
<br />quality,durability or performance;
<br />(6)Loss of customer approval,or any
<br />cost incurred to regain customer
<br />approval;
<br />(7)Redistribution or replacement of
<br />"your product"which has been
<br />recalled by like products or
<br />substitutes;
<br />(8)Caprice or whim of the insured;
<br />(9)A condition likely to cause loss of
<br />which any insured knew or had
<br />reason to know at the inception of
<br />this insurance;
<br />(10)Asbestos,including loss,damage or
<br />clean up resulting from asbestos or
<br />asbestos containing materials;or
<br />(11)Recall of "your products"that have
<br />no known or suspected defect solely
<br />because a known or suspected
<br />defect in another of "your products"
<br />has been found.
<br />b.The following is added to SECTION II -
<br />LIABILITY,C.Who Is An Insured,paragraph
<br />3.b.:
<br />"Product recall expense"arising out of any
<br />withdrawal or recall that occurred before you
<br />acquired or formed the organization.
<br />391-1006 08 16 Includes copyrighted materials of Insurance Services Offices,Inc.,with its permission.Page 4 of 6
<br />Property
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